San Luis Obispo, CA · Charter 63141
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.13% | 3.45% | 0.31% | 0.25% | 0.63% | -350 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 3.16% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 2.52% | 2.55% | 2.98% | n/a | |
| Efficiency Ratio | n/a | n/a | 87.91% | 73.03% | 71.07% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.54% | 7.02% | 4.05% | -0.42% | -1.09% | -564 bps | |
| Loan Growth (YoY) | -23.19% | -25.91% | -26.26% | -15.44% | -18.04% | +516 bps | |
| Share Growth (YoY) | 2.91% | 6.46% | 3.53% | -1.53% | -2.43% | -534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 2.23% | 1.45% | 2.17% | 2.08% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.98% | 0.70% | 1.00% | 0.68% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 20.05% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 20.05% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.29% | 37.72% | 35.51% | 35.16% | 34.68% | -660 bps | |
| Liquid Assets / Assets | 61.29% | 61.19% | 62.85% | 65.72% | 2.38% | -5,891 bps | |